Review your auto insurance at least once a year and whenever your vehicle, household, commute, or financial situation changes.

Exchange names, contact information, driver's license details, insurance information, vehicle information, and save photos, witness details, and any report number.

Keep basic first aid supplies, a flashlight, phone charger, water, reflective markers, insurance information, and a simple accident checklist.

Yes, a dash cam may help document what happened, especially when fault, traffic signals, lane changes, or a hit-and-run are disputed.

Not always. Coverage depends on policy limits, exclusions, deductibles, and optional coverages, not just the premium amount.

Review liability limits, uninsured motorist coverage, underinsured motorist coverage, deductibles, medical payments, rental coverage, and exclusions.

Car insurance can rise because of repair costs, medical costs, claims trends, coverage changes, location, driving history, and market conditions.